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Adz v Halifax (Platinum Card) - CCA received, is this one enforceable?


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Hi there,

 

I received my responce to an SAR from Halifax (platinum Card).

The card was taken out in 2003 (I think, but not sure!)

I notice that:

 

1. They (Creditor) have not signed it

2. I have not Dated my signature :rolleyes:

3. It looks more like an application form than a credit agreement.

4. There are no mention of default charges.

 

It looks like the prescribed terms are on the reverse page (if it really is the reverse).

 

There are no terms and conditions that came.

 

Can anyone please scan over and see if there is anything i've missed?

 

What about the fact that I havent dated my signature? Would this make it unenforceable? The only date that's on the document is one that they have stamped 'Received' etc... and that date is hardly legible..

 

Many thanks for your help! :grin:

 

HALIFAX_CCA_1.jpg

 

This is what I assume is the second page (reverse):

HALIFAX_CCA_2.jpg

 

Below is an enlarged pic of the bottom of the second (reverse) page:

 

HALIFAX_CCA_2_Keyfinancial.jpg

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